Yiren Digital Down 44.2% After Weak Q4 Results, Dividend Suspension

Yiren Digital reported Q4 2025 revenue of CNY 957.63 million, a net loss of CNY 882.16 million, and suspended its second-half 2025 cash dividend. The company's fintech and AI capabilities are now focused on sustainable earnings and credit risk management, with short-term catalysts on credit costs, lending book soundness, and technology spending discipline. The share price has fallen sharply, and investors should be aware of potential credit volatility.